Jan 22, 2019

Mom, Dad, Aging and Financial Protection

A Preventable Shame.

Black eye
Senior abuse or elder mistreatment.

A lot of stuff coming out of NY and California lately in the senior citizen abuse realm. Here is one about a lawyer and client conspiring to steal for a senior. New York socialite Anthony D. Marshall defrauded and stole from his elderly mother. Her name was Brooke Astor, a philanthropist. Astor won the “swindle trial.”  [1. Read More.]

Detailed reports materialized showing that Marshall conspired with attorney Francis Morrissey. In fact, they illegally amended Brooke Astor’s will in his favor. Sadly, they stole millions without consent. Even valuable paintings were taken off her Park Avenue home's walls. During this time, she suffered.

The evidence revealed a pattern of greed, neglect, misfeasance, nonfeasance, and malfeasance. Incidentally, in California, financial abuse of seniors is often mentioned in the news[2. financial abuse], including financial exploitation of the elderly. [3. elder financial abuse] This is not limited to New York by any means.

California Family Member Financial Abuse.

Another story mentioned in Consumer Reports is that of Elise Brooks. She is a 72-year-old. Sadly, she sold her mobile home and moved in with her daughter and granddaughter in Monterey, California.

Allegedly she did not want to handle her finances any longer. So she had her daughter and granddaughter take over her finances. Some elders do this with their attorneys as well. In any event, her daughter, Lisa Karen MacAdams, and granddaughter Christi Schoenbachler, financially ruined Brooks. In fact, they siphoned off all of her money. [4. People v. Schoenbachler]

They drained her of an annuity, worth approximately $90,000, her jewelry and furniture, if this wasn’t enough, then they dumped her in a nursing facility. Mother and daughter were both convicted of grand theft and financial abuse, which are both felonies, later they were also convicted of two counts of misdemeanor elder abuse.

During the summer, the California court of appeal stayed one of Schoenbachler's misdemeanor charges. Ventura, California Superior Court Judge Colleen Toy White said financial abuse is the “ultimate betrayal.” [5. Ultimate Betrayal is Abuse]  These cases are among the worst types there are.

Examples of Other Scams:

New scams by strangers involving the elderly include scenarios like sending an e-mail telling them they won a free vacation, or Somali scams[6. Somali E-Mail Scams], including but not limited to:

  • Fraudulent sweepstake phone calls
  • Investments and grandparent scams

What is far worse and not as commonly heard about is the deception by neighbors, friends, employees, and relatives. The people most entrusted to provide protection and care for seniors.

 This kind of abuse can be emotional. Also, it remains financially devastating to the senior. [7. The devastation to Elders and Economy] Experts say that this kind of behavior, will likely increase due to the stalled economy and a large number of the aging population.

And this remains a mostly unreported crime. And seniors may not even recognize what is happening to them. Also, they could be ashamed and embarrassed. So this keeps them from speaking out. Remember that elders are far more gullible and susceptible to this type of abuse (Source.)

In New York, in 2011 a randomized telephone survey [<<< See PDF here] was released, in which seniors mentioned being financially exploited, more frequently than any other kind of abuse. Manhattan Assistant District Attorney Elizabeth Loewy was the lead prosecutor on the Marshall/ Astor case. She says that almost every time she lectures on financial abuse, people approach her with their own story. (Read more.)

Classic Elder Abuse Scenarios

Classically in elder abuse cases, the predator will isolate the older adult, to create an environment, where they are in fear of the abuser, or love with the abuse.

  • Unlicensed home contractors
  • Kids selling candy to keep kids off or drugs and gangs
  • Internet prizes
  • Bank scams

All these scams are occurring more than ever. Crimes involving people like lawyers, nurses, and even doctors, who are in close contact with the seniors, are also on the rise. Many cases we have dealt with involve a friend, or family member ripping off the relative!

Prevention and Protection

  • Consult with an Elder Abuse Attorney:  Make sure and get legal advice from a lawyer, when an elder or dependent adult under your care exhibits signs of dementia or abuse. An attorney can direct you as to the steps you may need to take to protect vulnerable seniors or children.
  • Hire Licensed Professionals: Hiring a probate lawyer, setting up a court-ordered conservatorship, is a wise choice. Hiring an estate planning attorney can help with writing your will, plus be able to write power of attorney documents, which have trusts limiting the amount of access to your money that relatives have. And of course, have the judge sign off when the elder has a conservatorship.  The main thing is to set these up before you start to lose control of your mental faculties.
  • Documents: Before giving anyone power of attorney, it should be carefully thought out. This person is legally your fiduciary. This representative is responsible for acting in your best interests. But they could do anything with your money, without you knowing about it. It is not always the wisest choice to permit someone closest to you to have this power.
  • Seeking a Professional
  • In some cases, you could be safer having someone that is more disconnected and who is financially secure.
  • Power of attorney documents, which have limits, can be done without extra cost, experts say, which assigns a relative or friend to monitor the person who is named with a power of attorney. The joint power of attorneys requires two signatures on every check. Such an agreement like that can be drawn up. Mandate periodic reports when assigning a relative or friend to monitor the person. Another method is spliting the authority. You can give one person the power to handle financial matters, with the other person in control of health decisions. It is essential for your lawyer to hold the papers physically. That way, you can prevent anyone from prematurely presenting them to your bank or investment company to acquire access to your funds.
  • Daily Account Arrangements: Daily accounts, which are where pension benefits, Social Security checks, and other deposits payments like tax refunds should be established.

Famous Cases in the News

Actor Mickey Rooney made news in July of 2012, in a battle against his stepson Christopher Aber age 52 and his wife Christina Aber age 42 for emotional, verbal and financial abuse of Rooney. Rooney alleged his stepson and wife deprived him of his medication, isolated him, by stopping him from leaving the house. This occurred over an alleged ten year period.

Court documents filed by attorney Bruce S. Ross and attorney Vivian L. Thoreen on behalf of Rooney alleged the Abers was liable for leaving the 90-year-old actor powerless over his assets and personal life. At one point Aber got ATM debit/credit cards in the name of Densmore, Rooney’s company and then used them regularly for his benefit. The filed petition said Rooney was unaware of credit/debit cards.

Earlier in March of 2011, Rooney testified in front of Congress, saying he had felt trapped, frightened and helpless. And that was a terrible feeling for a man. Rooney’s current wife is the mother of Aber and is denying the actor's claims of elder abuse by her son.

The Theft

A year prior, Rooney had attorney Michael Augustine appointed to be a permanent conservator of his estate and also placed a restraining order against both Christopher and Christina Aber. Aber had stolen her identification cards, passport, insurance cards, Screen Actors Guild membership, and Identification cards.

  • Security: Security is essential, and you should ensure a background check is done on any caregiver you or the family of a senior considering hiring. Never assume that a placement agency will conduct a thorough background check. In doing this, you need to make sure that it is a national check, rather than a state or a local one. six-year, where the law allows, consider installing a security camera monitoring system.

Annual estimates show that 6 million elderly citizens are faced with abuse. According to the National Center for Elder Abuse (NCEA) figures in 2005, there were between one and two million elderly (over the age of 65) mistreated, injured or exploited by caregivers they depended on. The organization estimates that for every one case of elder abuse reported, and five cases go unreported.

Mail: Never leave mail in unsecured mailboxes. Also, shred any documents with identifying information. Take pictures of your valuables and jewelry.  Lock these photos and small valuables up in separate places. Doing this makes the insurance claims process easier as well.  Check pawn shops if items are stolen or missing.

Protecting Older Relatives

It is essential to safeguard older relatives, ensure they can go out when needed. Elder abuse remains associated with physical and social isolation. Unplanned, regular visits help identify undue influencers. Also, seniors need to have outings. Seniors should regularly visit friends, clergy, neighbors, and volunteers.

February 12, 2013, in Florida, began the South Shore Coalition for Mental Health and Aging annual seminar. The 12th will start the first of the series in the symposium to discuss the critical issues of elder abuse to family members, caregivers, and other professionals. The coalition and the NCEA hope to bring public awareness to the growing problem of elder abuse that they say often overlooked.

The Statistics

The Bureau of Justice Statistics backs up their concern, showing that the number of elder abuse, neglect, and financial exploitation as of 2010 revealed at least 10 percent of senior citizens had suffered some form of abuse. Their statistics also show that the majority of elderly abuse victims are female senior citizens.

  • Setting Rules: The family with an older adult, should have a meeting and determine who will be looking after the physical and financial interests of the senior. Hire an attorney if most care will be handled by one relative or sibling. Pay legal counsel to draft a “personal care agreement.” This agreement will detail the amount the caregiver will receive for services. According to Starnes a CFP, it is reasonable that a family member providing care should be paid. Caregivers can now stay out of trouble because they know their limitations.
  • Limited Accounts: Demented elders should use a blocked bank account. This account can have a spending limit put on it, of a few hundred dollars. Also, banks should investigate checks written for higher amounts.
 The NCEA estimates five million elders are financially exploited annually. Many go unreported out of shame, or because it is a family member. In that case, the senior citizen does not want anyone to get in trouble.
  • Availability: Make yourself available to accompany the senior to meetings with doctors, and financial advisors, who can help in putting in place plans for the relative’s protection. Elders feel uncomfortable discussing their frailties. Praising the senior for the job they have done will help open communications.

Observations and Warning Signs

Be alert to the elderly person who has a new “best friend,” if they do not seem ever to be available or able to come to the telephone. Be suspicious if the senior does not seem to want to have contact with others unless their caregiver is present or becomes socially isolated.

Gwendolyn Swank worked all her life in Lincoln County, Maine. A six-year neighbor had manipulated and stole from her. So she lost her nest egg of over $300,000 in assets. Also gone were her monthly security checks. When it was all said and done, Swank had .37 cents remaining in her bank account.

A Betrayal of Trust

In 2004 Swanks neighbor Rodney Chapman became the older woman’s best friend. The now 85-year-old said she worked hard to put away a “good portfolio.” After all, she needed something to depend on in her old age. Also, she never believed Chapman would take her for a “ride.”

Swank was the manager of a mobile home park, where Chapman and his family were her neighbors when he fell behind in his payments. This lapse started in 2004 when she let him work off some of the debt mowing lawns and doing repairs. The terrible state that Chapman left his longtime neighbor in after spending most of her life working as a financial bookkeeper. Chapman is behind on payments to credit card companies, her landlord, Central Maine Power Company, and the IRS for the money withdrawn from stocks and IRA accounts.

Swank at 85 went back to work at a local business, the first part of this year to help pay off the debt she is in, including the $60,000 for taxes from the withdrawal of money from stocks and IRAs. Lincoln County District Attorney Geoffrey Rushlau, said Swanks’ case differs from many other cases, where a family member is usually the abuser.

This is the family member that borrows money and never has any intention of paying it back to the older adult. Swank remained deceived, terrified and isolated.

The Scam

Swank had concerns over a 1999 drug bust near her home. Chapman lied for years, saying he had Texas Rangers law enforcement connections and connections with a judge. He said that they could help to rid the area of the drug activity. But he needed money for transportation, lodging, and disposal of the drug dealer’s bodies.

Swank said she believed the stories; even know knowing how they sound. Chapman staged fights outside, pounded on her trailer, and would not let her use her telephone. He took her phone with him, restricted Swank's use of her car and restricted her visitors, telling her it was for her safety. In another instance, Chapman talked Swank into a business venture, where she would be the bookkeeper. He convinced her to purchase an auto repair and recovery business.

Swank paid for the tools, a welder, and expensive trailer to haul cars. Sadly, the business never forked over a dime. And now she remains unsure the business ever existed. Lincoln County elder abuse case specialist Detective Robert McFetridge, said Swank's case became known to him when he received phone calls from people concerned about her situation.


Also the detective said one of the calls was from a business where Swank’s checks were bouncing. But Detective McFetridge said that Swank was not ready to talk about the situation.

Of special interest, the end came when Swank gave Chapman a deadline to return some of the money, and it passed. So after that, she told the deputy. Chapman admitted to his crimes after his arrest. And Detective McFetridge believes others participated in Swank's financial exploitation.

Maine Legal Services represented Swank. The attorney was Dennis Culley. Dennis won a civil judgment of $1.3 million on June 12th. Also, Chapman got five years of jail time for his crimes. But he has little or no ability to pay Swank's civil court judgment.

Other Red Flags:

  • If another designated makes the payments, look for unpaid bills.
  • Newly authorized signers on the senior’s bank account.
  • Signatures are unfamiliar on checks and other documents.
  • Are canceled checks and bank statements sent to the seniors home?
  • Changes in banks or lawyers.
  • Generous gifts or reimbursements to caregivers or friends.
  • Unexplained withdrawals from bank accounts, transfers between accounts, or missing property.
  • Changes in spending patterns or purchases of items that are not for the senior or ones they do not need.
  • Variations in any of the senior's documents, such as a power of attorney or will. But it could be changed in beneficiaries the senior cannot comprehend or explain.
  • Extreme interest in the seniors finances by a relative, caregiver, or friend.
  • Lack of personal care, like having clean clothing and grooming items.


  • Scenario: You hire a lawyer to help you with your abuse case, and when the case settles, the attorney attempts to recover their hotel bills from their vacation. So you felt too indebted to the lawyer.  And you remain intimidated that you won't get your settlement check unless you agree.
  • Solution: Place disputed amounts into a trust. Demand immediately payment. Require a full accounting. Also, a California State Bar complaint may be in order for, particularly egregious cases.
  • Scenario: You ask a friend, or roommate to deposit some money into the bank for you. And you trusted this person when you were not feeling well, but it was necessary, so you could pay your rent and gave him or her your cash to deposit. But later, you learn only half of the money was collected.  So when you ask for the deposit slip, the roommate says they needed the money for gas, etc., and she ignores your demand(s) or changes the subject. Courts in Washington D.C. are reportedly seeing more elderly abuse cases. Elder abuse studies identify different types of abuse. Common abuse includes neglect, financial exploitation, and even violent beatings. One in 14 cases of abuse is reported.

In Practical Terms...

According to Washington D.C. Superior Court’s Probate Division Judge John Campbell, overseeing cases for incapacitated adults or adults in need of guardianship, there are more elder abuse cases than ever before. Also, Judge Campbell believes this is because people are living longer. However, since they remain frail, have diseases and dementia they become targets.

  • Solution: The first thing you should do is contact the bank or financial institution and close the account. But you need to do is communicate with the police, and the city, or county attorney. You can even call the State Attorney General, as well as an elderly abuse lawyer.

Finding More Information and Help

Of special interest, Adult Protective Services County APS agencies investigate reports of abuse of elders and dependent adults. Mostly, these are seniors who live in private homes, hotels, hospitals and health clinics. So here, the abuser is not a professional staff member. (The Licensing & Certification program of the California Department of Health Services handles cases of abuse by a member of a hospital or health clinic.)



Also, the National Center on Elder Abuse has links to state directories of helplines, elder abuse prevention resources, and hotlines in all 50 states and the District of Columbia.

Further Information

AARP’s Scams and Fraud the latest information on fraud and scams against older adults.

AARP Money Management Program this is a service that assists seniors and individuals with disabilities with limited resources by pairing them up with trained money management volunteers. The service helps older persons who are in control of their finances to pay bills, balance checkbooks. It also focuses on individuals deemed incapable of dealing with their funds. Twenty-one states and the District of Columbia offer some type of program.

National Adult Protective Services Association this provides a national map, which has links to abuse reporting hotlines listed in each state.

Better Business Bureau Scam Stopper info found here on common scams and the instructions on how to report scams. It is also possible to sign up for scam alerts on the website.

National Association of Professional Geriatric Care Managers geriatric care managers and professionals can assist in all areas of the senior citizen's lives. This includes managing medical appointments, monitoring in-home care workers, identifying potential exploitation risks, in some cases, they can pay bills and handle paperwork, along with other services.

American Association of Daily Money Managers can help seniors with bill paying, insurance paperwork, banking, and organizing records to file income tax returns and other tasks. They have members nationwide to assist the elderly.

Consumer Financial Protection Bureau Office of Financial Protection for Older Americans this organization receives and investigates consumer fraud complaints with credit cards, bank loans, mortgages, and other financial fraud. National Academy of Elder Law Attorneys has a search for lawyers who specialize in elder law, including a durable power of attorney, estate planning, conservatorship, elder abuse, and other legal services. Telephone 703-942-571.

https://www.nbclosangeles.com/news/local/Mickey-Rooney-Elder-Abuse-Los-Angeles-Superior-Court-Christopher-Christina-Aber-161824925.html https://losangeles.cbslocal.com/2011/09/15/mickey-rooney-conservator-file-2nd-elder-abuse-claim-against-his-kin/ https://www.today.com/id/41879042/site/todayshow/ns/today-entertainment/t/mickey-rooney-tells-congress-about-his-abuse/